Like someone said.. most people here exagerate in trying to cool their cpu as much as possible. I am fanatic about trying to make my computer as silent as possible, sacrifising cooling perfomance if I have to. I have an athlon 1.4, its cooled by a Silverado running at 10v. I got loads of additional "intelligent" fans (inlet, hd, vga,..), but basically I only use 1 exhaust fan running at 6v and of course I use a psu that also helps pulling hot air out of the case.
This setup is far from thermodynamically ideal. Its made even worse by the fact I have isolated my case inside with cork. all panels, hard disk bays, even my psu have a 5mm cork plate on them. This helps reduce noise, but of course its not good for cooling.
Anyway, with this far from ideal setup, I get 50° iddle, 59° under load. Many forum users would scream that this is too high, but really, its not a problem. to test, I even shut off all case fans, and did some testing.. my t-bird is even still perfectly stable at 70°c.
Dont worry too much about temps when your not overclocking.. (well, keep an eye on them, but it shouldnt be hard to keep your cpu cooled well under 60, and so you should be fine)
---- Owner of the only Dell computer with an AMD chip